Y Combinator Startups in India 2026

We deliver groceries in 10 minutes through a network of optimized micro-warehouses or 'dark stores' that we build across cities in India. We're currently doing hundreds of millions of dollars in annual sales with best-in-class unit economics - come join us!

Groww aims to empower people in India by making financial services simple, transparent and delightful. By leveraging technology, we build reliable and accessible financial services. Groww is India's largest stock broker (in terms of active NSE clients) and the largest distributor of mutual fund SIPs.

Meesho is India’s only true online marketplace, altering the status quo to make e-commerce inclusive and accessible for the next billion users. With a vision to enable 100 million small businesses, including individual entrepreneurs, to succeed online, Meesho is democratising internet commerce and bringing a range of products and new customers online. The Meesho marketplace provides sellers access to millions of customers, selections from over 30 categories, pan-India logistics, payment services and customer support capabilities to efficiently run their businesses.

The journey of building Razorpay started in 2014, when Harshil Mathur (CEO & Co-Founder) and Shashank Kumar (MD & Co-Founder) witnessed the dismal state of the online payments industry in India then and understood that they have a larger and more important issue to solve. And That was democratizing online payments for Indian businesses, particularly the underserved market, Startups and SMEs. Over the last 9 years, Razorpay has evolved from a single-product company to a multi-product company, from an online payment gateway to India’s only full-stack financial solutions company, offering payments and banking solutions to businesses. Razorpay today is transforming age-old complexities and changing every known paradigm of money movement for disruptive businesses. Over the last couple of years, Razorpay’s growth has evolved to be an index of India’s digital economy. From a kirana shop in Kashmir collecting payments on our POS device to a textile exporter in Kanyakumari accepting dollars through our International Payments product, Razorpay has revolutionised how businesses have traditionally transacted and interacted with money. Razorpay became the first and only Indian fintech to build a full-stack international Payment Gateway ‘Curlec by Razorpay’ and evolved into a comprehensive provider of payment solutions, leveraging the synergy between cutting-edge technological capabilities and a profound understanding of the local payment ecosystem. The introduction of the new Curlec Payment Gateway aims to cater to a wide spectrum of businesses, expanding its reach to over 5,000 establishments. Be it for international expansion or solving for Indian businesses, for Razorpay, the customer has always been at the core of all disruption, from addressing evolving needs to delivering new solutions. This hyperfocus helped bring Razorpay’s several industry-first innovations into the market since 2014. Razorpay became the first to launch a completely digital on-boarding process for startups, first to launch support for UPI, first to launch support for Bharath QR, first to introduce recurring payments for businesses through Razorpay Route, automating payment receipts and later automate payouts and making the entire process seamless and optimized and many more were introduced aling the way. Other firsts include: - First to launch India’s Multi-Network Tokenisation solution, TokenHQ - Razorpay became India’s first payment gateway to support credit cards on UPI - Razorpay also became India’s largest omnichannel payment gateway for businesses post acquiring Ezetap which is India’s leading offline POS company that was founded with the aim to simplify the in-person offline payments experience. Over the years, Razorpay’s valuation has jumped from $1 billion to $7.5 billion and has added a host of marquee investors to its captable. Razorpay is also the second Indian company to be a part of Silicon Valley’s largest tech accelerator, Y Combinator. Marquee investors such as Lone Pine Capital, Alkeon Capital, TCV, GIC, Tiger Global, Sequoia Capital India, Ribbit Capital, Matrix Partners, Salesforce Ventures, Y Combinator, and MasterCard have invested a total of $741.5 Mn through Series A, B, C, D, E and F funding. The last financing round of Series F led the company’s valuation to $7.5 Billion signaling one of the fastest increases in valuation for an Indian Unicorn. Razorpay has also made acquisitions with like-minded companies over the last 9 years. In total, till date, Razorpay has made eight acquisitions, Billme in 2023 - A Digital invoice and customer Engagement, Ezetap in 2022 - India’s leading offline POS company, PoshVine in 2022 - India’s leading loyalty and reward management platform, IZealiant in 2022 - A mobile-first, API-enabled, and cloud-ready payment solution and made its first international foray in South-East Asia by announcing its acquisition of Curlec in 2022 - A recurring payments platform. TeraFin Labs in 2021 - the AI-based SaaS platform that facilitates digital financing solutions, Opfin (Now RazorpayX Payroll) in 2019 - The payroll management solution and Thirdwatch in 2019, the first acquisition - The AI-powered fraud detection platform. All these efforts are being done in collaboration with banks, regulators, and stakeholders so that India can build a better place for small and big businesses. Today, Razorpay powers online payments for 76 Of 100 startup unicorns and millions of businesses in India. The core premise of what Razorpay was founded in 2014 and what it is today hasn’t changed. It is to make money movement simpler and easier, whether it is for businesses to receive money, send money, or manage money.

Hardware teams burn weeks on procurement. An engineer needs a part. Someone emails five distributors, chases quotes, gets an approval, wires the money, tracks a shipment across three carriers, clears customs, and then nobody knows where the box is or what's actually on the shelf. Waybill runs that entire loop. Send us a part, a spec, or a BOM. We source it, pull quotes, route approvals, pay the supplier, handle freight and customs, track it to your dock, and keep your stock count updated. Take your supply chain for granted. Built by a team that's seen it at LAT Aerospace and WareIQ (YC S20).

GodHands is building a living knowledge base for engineering teams, turning the code, docs, and decisions across your stack into a single source of truth that stays accurate as you grow.

Ritivel is an AI-native workspace for regulatory and medical writing teams at life sciences companies. Our AI agents draft CTDs, CSRs, INDs, and BLAs in minutes instead of weeks, helping drugs reach patients faster. Every month a drug is delayed from reaching the market costs pharma companies ~$45M in lost revenue and more importantly, delays treatment for thousands of patients who need it. Yet regulatory teams are stuck in a painful, months-long process: synthesizing thousands of pages of clinical data, hunting through SharePoint folders for the right documents, chasing colleagues for missing inputs, and manually drafting submissions. Ritivel deploys AI agents that transform how regulatory teams work. Our agents generate comprehensive first drafts directly in Microsoft Word, following FDA formatting requirements and pulling from your existing clinical data and prior submissions. Every data point includes citations linked back to the original source, so reviewers can verify with one click. Connected to SharePoint and Veeva, our agents automatically source the right documents. Integrated with Outlook, they handle reminder emails and follow-ups automatically. We're engineers who previously built AI copilots at Microsoft Research. After 50+ conversations with pharma professionals, we discovered the critical bottleneck in regulatory submissions and built Ritivel to solve it.

Ressl AI helps teams bridge the gap from prototype to production by providing the platform needed to train, benchmark, and deploy autonomous agents that actually work in real-world business systems.

Perseus takes an iterative branching approach to search in high dimensional spaces. Our first product helps coding agents find the right codebase context before they write. It searches files, symbols, and dependencies in parallel, so models can make better changes with less trial and error. Perseus Search gives Mythos-level programming ability to Opus-level coding agents.

Bolna handles the complexity of voice infra, so enterprises can automate calls faster, better, and cheaper, at scale Bolna is a Voice AI Orchestration platform purpose-built for Indian enterprises. Businesses in India run tens of thousands of calls every day - across sales, support, collections, recruitment, and more. Bolna gives them the power to build and deploy Voice AI Agents directly from their transcripts and FAQs, so they can start automating calls immediately. With Bolna, enterprises get: 1. Full control over agent intelligence, tone, and workflows 2. Cost efficiency at scale with smart routing across providers and price points 3. Enterprise-grade performance on latency, interruptions, multi-language, and multi-accent understanding

Truffle AI makes it easy for developers to integrate AI agents into any software application. We do this by exposing agents as simple APIs that can be called from anywhere. Developers have used Truffle to add customer support agents into WhatsApp and analytics agents into Slack.

Paasa helps wealthy Indians invest in global equities - without middlemen, hidden fees, or paperwork. While high-net-worths in India often have international expenses from children's education to healthcare, most still save in INR, a currency that depreciates ~2–5% per year against the USD. Why? - Broken outward remittance process - Fear of making mistakes in tax or compliance - Paper-heavy onboarding processes of international brokers - Lack of trustworthy guidance Paasa offers a mobile app that enables Indians to trade worldwide, invest via advisory, and automate every cross-border tax filing.

Rowboat is an AI coworker for everyday work - email, meetings, projects, and people. It builds a local knowledge graph from your work and uses it to draft emails, prep meetings, track projects, and get work done on your own computer. It comes with batteries included - meeting note capture, in-app browsing, search, and app integrations - plus MCP support for custom tools.

SureBright lets e-commerce merchants embed "Apple Care” like product warranties into their checkout flows in less than 10 minutes. Our AI-powered warranty platform generates incremental revenue and boosts customer loyalty at zero cost to the merchant. Sanket led engineering at PolicyBazar, an insurance tech company that IPOed and is valued at over $8B. Manish worked at Amazon and has built $100M ARR products, handling over 180B requests per day. Until now, finding the right policy for any product and pricing it at the right price wasn’t possible at scale. We automated this process using LLM and have unlocked a $50B+ opportunity. Each month, over 5 million consumers view SureBright warranty offers.

We're building a commerce solution for SaaS companies globally that have overseas customers. We especially help them with streamlining billing operations like invoicing and reconciliation, managing foreign sales tax and accepting payments. We abstract out the complexities of compliance, remittance and integration for these merchants by running all that machinery in the background.

Yenmo offers a better way to access cash for India’s 65 million investors who either resort to personal loans at over 18% interest or have to liquidate their investments when in need of money. With Yenmo, they can pledge their investments digitally and instantly get a loan at a fixed 10.5% interest rate. Our Insight - In India, over 30% of personal loan borrowers have active investments and are paying double the interest rate they qualify for with us.

Infinity is a banking and payments platform for cross-border businesses in India. We help our customers make cross-border payments that are 70% cheaper than traditional methods and earn income on idle cash by investing in government securities.

CORE is your AI personal assistant that learns who you are, connects to your apps, and does the work before you ask. Open source. Self-hostable. Fully yours.

Small shop owners earn daily unlike salaried people but when it comes to loan repayment both are asked to pay monthly. For these shop owners it is difficult to calculate how much to save daily so that they will have the required installment amount at the end of the month and also at the time of repayment they have a big hole in their working capital. Therefore, when you earn daily why not pay daily and get away from the stress of huge one-time installments. Every day a small amount of $X is deducted from your digital wallet which is on the auto-debit mandate and you don't need to worry about keeping your balance of $XXXX. You never default and also good credit scores are created.

SuperAPI is a programmable API gateway that makes all your fetch APIs cacheable, reducing the response time 10x. Our customers use SuperAPI to cache their critical APIs without spending 6-9 months rewriting their code.

Floworks (https://floworks.ai) is building a suite of AI employees that helps business to run several business functions such as sales, on autopilot. Our flagship product, Alisha is an AI SDR that performs the full outbound SDR job- fully autonomously without any human involvement. Our AI SDR Alisha can perform ICP research, find out prospect lists, research about each prospect across 180 web sources, write highly personalized emails to each, follow and engage, and finally coordinate like a human to book sales calls. Businesses using Alisha get 3 key benefits: 1.⁠ ⁠They get 12x output from your existing sales team. 2.⁠ ⁠⁠Are able to scale to 8 figure revenues with just a single AE. Alisha is built on our proprietary function calling model ThorV2 (https://floworks.ai/research) that outperforms both Claude 3 and GPT-4 function calling in accuracy by 13% and 43% respectively. At the same time, ThorV2 uses only a fraction of the cost (<40%) and time/latency (<78%) as the other models. Our second AI employee, Ashley, is an AI Executive Assistant that keeps you reminded and on top of your on your schedule. Works on your whim- just command Flowy to book a meeting, move a meeting or write a email, and it does without you having to navigate through every apps. You can teach Flowy specific workflows such as ‘inform me immediately if i receive a reply from xyz’, “show my unread emails from last day every morning 7am” and much more Our third AI employee, Romona is a helpful AI Revenue Operations Manager that keeps track of every CRM data updation on behalf of your team, works on your instruction to update notes, next steps, MEDDIC after every call, does periodic CRM reporting and much more.

Clueso is the fastest and easiest way for companies to generate high-quality instructional videos and documentation, ideal for customer education/onboarding and employee training. Our AI transforms simple screen-recordings into studio-quality videos and step-by-step documentation in minutes.

Every student deserve personal attention. With AI, we can infinitely scale personalised learning experience at scale to every student. That's what we are building at SuperKalam.

We're building an AI Operating System for DSCs. This includes a set of AI agents that can work together to complete a workflow end to end.

DrDroid is building AI Agents for Platform & Infrastructure teams. We help engineering teams fix issues faster and reduce escalations during on-call—automating triage, debugging, and remediation. We’re also the team behind several open-source projects: 🔹 Playbooks – A runbook automation platform 🔹 Kenobi – An event analytics platform for debugging data pipelines Join us in redefining how teams run operations in the post-GPT world.

Gullak is a mobile app that automates savings & invests these in Gold. We launched in India 60 days ago and have grown from 0 to 40k transacting users and hit a monthly GTV of $280K already. We are growing 25% week on week. India is a nation of savers but the way the majority of India saves is non-smart & does not create wealth. There are 200 Mn Indians who save manually in bank deposits, the returns from these instruments do not even beat India's inflation. Gold is an instrument that India loves - 30Bn worth gold is purchased in India every year by middle income households. Gold has great cultural significance in India & there is high familiarity with the asset class. Despite gold being a familiar asset class & giving 5% higher returns than bank deposits, 200 Mn Indians still save manually in these non wealth creating bank deposits. This is largely because the ways to save in Gold required painful discrete activities such as manually accumulating money to buy gold, going to offline stores to buy this gold, incurring storage charges & more. The minimum ticket size for purchasing gold at these stores is $50 adding to more friction to saving in Gold. Using automated savings, Gullak now makes it extremely easy for users to save small amounts regularly($1/day) in digital Gold.This was not possible a year ago because the underlying infrastructure(UPI Autopay) was missing. With 50 Mn Indians saving $2/day & with gold backed lending, this is a $1.5Bn market opportunity. Gullak’s Founding team is the team which built BHIM UPI App(10Mn Downloads in 10 Days), this was launched by the PM of India. We built large scale payment systems for partners like GooglePay / Amazon, processing more than 30Mn payments/day. This is the same team that has built more than 40+ consumer brands & their initial growth strategy.

Coupl is a digital joint account for Indian households. We help couples and families easily manage their shared and household payments from one shared account. Over 20 million Indians marry each year, creating a $300 billion market opportunity in household expenses. Couples juggle multiple accounts, cards, and expense-tracking tools. Joint accounts involve lengthy paperwork, rejections, and minimum balance requirements, making them inconvenient for modern couples. Beyond married couples, this need extends to engaged partners, live-in couples, roommates, and families seeking simpler ways to manage shared expenses. Coupl offers a digital, zero-balance joint account with co-branded debit cards and in-app bill payments, set up in just 60 seconds. Couples can use the account for all shared expenses, with an analytics dashboard to help them stay on top of their finances. Coupl is powered by RuPay, NPCI and IDFC FIRST Bank.

Craze is the AI video agent that plans, edits and turns creative direction into tasteful videos people actually watch.

AlgoTest is an algorithmic options trading platform for Indian retail traders. For the first time ever, day traders will be able to trade using the same technology as the top hedge funds and high-frequency trading firms of the world. The company is founded by Raghav Malik (Financial Engineering @ Columbia Univ), an HFT technologist and former options market-maker in the US.

Create new slides or upgrade existing ones with AI that works natively inside PowerPoint and stays true to your company’s branding, templates, and standards. How Slidely AI is different - 1. Works directly in PowerPoint Native PPTX support — no HTML-to-PPT hacks, exports, or broken layouts. 2. Improves slides you already have Because it understands real PowerPoint files, Slidely AI can rewrite, redesign, and tighten existing decks — not just generate new ones. 3. Agentic, consulting-grade output Unlike other tools which can only use simple templates, Slidely AI agent puts each shape individually on slides to express your complex data. 4. Truly on-brand, every time Learns from your past decks to follow your colors, fonts, layouts, and slide patterns — so every slide looks like it came from you, not a generic AI tool.

FlatX is the first AI-powered rental platform in India focused on Young Renters. It helps them find the right flat and the right flatmate faster, and makes it effortless to rent in any city without brokers, scams, or the usual chaos.

At Raven, we are building AI assistants for manufacturing plants which can offer intelligent assistance for day-to-day operations like training, job planning, troubleshooting, reporting and also helps with real-time analytics — all while seamlessly integrating with your existing systems. We’re taking decades of manufacturing expertise and combining it with AI to solve real operational problems. We’re a small, focused team working to make industrial operations safer, smarter, and more efficient.

Artificial Intelligence that converts manufacturing drawings into costing quotations in minutes, not weeks.

Applied research lab on a mission to build machines which can program themselves to do any task.

With over 500M white-collared job offers rolled out annually, companies find it very difficult to be certain about what to offer. Companies rely on old compensation survey data, which are updated only once every year. The salary expectations of candidates in the market change significantly on a quarterly basis (~7% statistically) in the startup ecosystem. This results in more than 50% of qualified/selected candidates not joining the company due to expectation mismatch. CompUp is an API-driven compensation benchmarking tool. We integrate with your existing HR/payroll systems, removing the need for manual data entry, and also getting updated in real-time. CompUp provides the most accurate real-time compensation benchmarking data which helps you make the right offer to the candidate. The platform allows you to make better compensation decisions such as annual increments, candidate offers using internal and external data. This has the following advantages : - All the process of compensation data submission is automatic and needs no manual intervention - Since the job market is dynamic in nature, the offers made on CompUp's real-time benchmarks would be the most efficient - The presentation of the offer to the candidate makes it look more appealing and explanatory to the candidate

Landeed is the AI-native digital infrastructure for property intelligence, verification, and transactions in India. We provide read/write rails that transform fragmented property and regulatory systems into continuously verified, machine-interpretable state. Powered by Terra, our proprietary property intelligence engine, Landeed converts messy, multi-source records into structured, queryable knowledge that supports legal-grade due diligence, collateral verification, title search, transfers, and property payments. With coverage across 24 states, enterprises go live nationally from day one. We are trusted by Fortune India 500 companies across BFSI, real estate, and retail. Landeed is the blue tick for property.

Cone is an AI-powered work operating system that unifies accounting workflows — proposals, tasks, billing, payments, and client engagement into one platform

Peoplebox.ai is an AI-native talent platform used by 500+ companies to hire, manage, and grow their people. At the center is Nova, the world’s most human-like AI teammate, for all talent conversations. Nova runs two-way voice/video pre-screen calls, first-round interviews (with coding round and advance proctoring), check-ins, and assessments, all with your company’s context built in. The talent management platform brings together OKRs/goals, performance reviews, career growth, calibration, and compensation into one unified system, helping companies align, assess, and develop talent faster.

India's leading digital health destination for Dermatology, Nutrition & Wellness. A multi-condition health platform providing Telehealth, AI-powered treatment plans, and Rx-grade products. Our virtual care is entirely science-based and personalized to each patient, based on prescription history, medical parameters, family history, lifestyle, surroundings and preexisting health issues.

Flux is building physical AI to automate material movement in warehouses and factories on legacy vehicle fleets. Using Flux's solutions customers can reduce their dependency on human drivers, while also increasing productivity and reducing operating costs. Flux is currently deploying with customers like Walmart, Daimler, Bajaj, Cummins, Mahindra Logistics across warehouses, fulfillment centers and factories.

Material Depot is reimagining home interiors for the next generation of Indian homeowners. We bring design-forward materials: tiles, laminates, wall panels & more - straight from manufacturers to customers, cutting out the old, broken supply chain. Our online engagement fuels real-time trend insights, enabling us to launch new designs faster, in smaller batches, and at unbeatable prices. The result: beautiful homes built smarter, quicker, and more affordably. With over 10,000 homes served and a rapidly growing digital-first ecosystem, Material Depot isn’t just selling materials—we’re building the future of how India designs and lives.

InferEdge builds agentic AI for the buy-side - systems that run autonomously across research, portfolio management, and risk, for equity and fixed income. The point isn't generating a generic note - anyone can do that now. For example, when earnings season hits, our agents produce the quarter's coverage in your analysts' own tone and format, matching how your desk already writes, so it doesn't need a rewrite before it's usable. We build on top of LLMs, turning raw model capability into consistent and auditable workflows, not another stalled prototype.

RecordBook is one stop solution to manage all business DATA, WORKFLOWS & TEAMS for Small and Medium Businesses on their mobile devices & in their local languages.

Salt is a neo banking solution stitched together to ease payments and documentation which comes with business banking by moving it to a digital-first and automated end to end platform.

Kaagaz is an 'Office' Suite for Mobile-first Businesses in India. With Kaagaz, these users can manage all the document requirements for their business using their smartphone itself, without needing a Desktop. We have an active user base of 3Mn+ users and paid users north of 60,000+ - growing every month. With over 200M such businesses in India, at $15/year subscription price, this a $3B opportunity in India & much larger globally. We are a team of 2nd time entrepreneurs having scaled the pervious startup to $1M in GMV. We are backed by YCombinator, Goodwater Capital, Pravega Venture, Better Capital & other investors including Alan Rutledge (TrendMD) and Farid Ahsan (Sharechat)

Spadeworks transforms how trade contractors handle customer service through AI agents that work 24/7. We answer every call, schedule every job, send every reminder, and follow up with every customer - turning missed opportunities into booked revenue. Trade businesses grow faster because they never miss a lead again.

Fieldproxy is Retool for Field Teams. Our no-code SaaS application allows organizations to build internal mobile applications to manage field teams of any size. Fieldproxy's vision is to be the Operating System for Field teams.

India’s insurance market is filled with bygone products, which do not cater to 95% of the market's demand for specific products such as illness-specific insurance, primary care with insurance, and surgical insurance to name a few. We, at IMT, aim to target this white space by creating innovative products that fulfill this new demand by empowering the agents. Agents are the largest insurance distribution channel in India and cover 85% of the premium collection. Agents collect 20B premium every year. With a 5% take rate, it’s a 1B dollar market opportunity growing at 22% CAGR. Kunal has 15+ years of experience working with insurance companies and building agent networks, while he scaled his brokerage business to 3M dollars in revenue. Rachit has 12+ years of experience in building tech products, he was a founding engineer at Payu (stripe of India).